$32K in credit card debt at 28% interest.....

[Blueface]

Originally Posted by ghostrider

Just another reason I haven't owned a credit card in at least 10 years now. If you can't pay it off in a month or two, you don't need it.

They really come in handy and actually invaluable at times.
The thing to do is to manage it and not let it take over.
If you can charge what you can pay in a month or two, awesome!
If you need to charge something that you can't pay right away, look for places with "same as cash" deals, where if you pay it within the period allowed, you pay no interest.
If you can't find any "same as cash" deals and have to use a high interest card, focus on paying that off right away. It is the worst kind of debt anyone can possibly have.
I feel fortunate that my card charges me 6% and heck if they get to see much interest money out of me.
Right now, they are getting 6% on a 0 balance.